Renters Insurance in Delray Beach, FL & Port St. Lucie, FL
Many events beyond your control can lead to significant financial loss. If you’re renting your living space, a renters insurance policy may provide financial security in case of fire, theft and other risks.
What Does Renters Insurance Cover?
Standard renters insurance typically offers three main types of coverage: 
- Personal belongings coverage may cover items such as books, clothes, electronics, furniture and small appliances from fire, smoke, windstorm and other events listed on your policy.
- Liability coverage may help with legal expenses if someone is injured in your rental unit or if you accidentally damage someone else’s property.
- Additional living expenses coverage may pay for accommodations, meals and other related costs if you must temporarily vacate your rental home due to a covered event.
Keep in mind that not all situations may be covered by insurance. Common exclusions in a renters insurance policy include the following:
- High-value items like art and jewelry
- Earthquake and flood damage
- Intentional acts
- Pest infestations
- Losses related to business activities
It’s recommended to review your policy to understand which events and items are covered, plus any exclusions or limits.
When Should I Get Renters Insurance?
The ideal time to obtain renters insurance is when you sign your lease and move into your rental property. Many landlords ask for proof of insurance as part of the lease, so having a policy ready can simplify the process. Securing coverage as soon as you start renting is also advisable because accidents, damage or theft can occur unexpectedly. With renters insurance, your belongings may be financially protected from day one.
Secure Your Policy Today
Many renters near you choose Palm Tree Insurance Agency for reliable renters insurance policies. Our team takes time to understand your situation and can recommend optimal coverage. Contact us today to learn more.